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Term, Return of Premium, permanent, Universal, Index Universal, whole life
For individuals, families, Businesses & Professionals
Featuring: MetLife, Fidelity, Genworth, Mutual of Omaha, Banner, Prudential & more...

See all life Insurance types we can help you with

We'll help you understand the different types of policies, find affordable coverage and attain the right life insurance coverage to protect your family or business

Term vs Permanent coverage

Factors to consider in deciding on term or permanent coverage would be the length of time you would like to be covered, health, age, expected future financial dependents and whether an investment component in your policy is right for you. Unlike a term policy, which offers a level rate and coverage based on a set term or number of years, a Permanent Policy does not expire. Generally, Universal Life, Index Universal Life and Whole Life, the most common types of permanent insurance, in addition to the tax free death benefit to beneficiaries, also provides a potential buildup of cash value, or an investment component that can be borrowed against on a tax free basis that does not have to be paid back as long as the policy does not lapse or can be cashed-out if you wish to terminate the policy. Generally speaking, permanent policies act as investments and can grow in value whereas term policies do not. For the added benefits, cash value potential and permanent coverage you will pay a higher premium, but may well be worth the cost if the potential of supplemental tax free income is part of the game plan. Learn more about life insurance types by checking the information above and the other website area's. Let's Discuss A Strategy To Help Protect & Preserve Your Family's Financial Future Request a Quote or Call 973-285-1040 & Get Insured Today!

Al Ragovin, CFP®

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RFS Financial & Insurance Solutions

We help people find the best life insurance policies for their specific needs. We have relationships with dozens of insurance companies allowing us the ability to shop the market for the most suitable coverage with the best rates. We pride ourselves on delivering the highest level of professional service possible while helping people identify and attain their insurance and financial goals. 

We can help you with many types of life insurance planning including...term life, permanent cash value, final expense, no exam, life insurance with living benefits( for chronic, critical or terminal illness), high risk(hard to insure), life insurance for business and estate planning, whole life, universal life, and group coverage

Let's Discuss A Strategy To Help Protect & Preserve Your Family's Financial Future
Call or email us for a quote or to discuss your insurance needs. We look forward to working with you...973-285-1040


Morristown Office

163 Madison Avenue Suite 220
Morristown, NJ 07960

Phone: 973-285-1040
Mobile: 862-219-8510

Mon-Fri: 8:00 AM - 8:00 PM
Sat: 9:00 AM - 4:00 PM
Sun: By Appointment

How can we help? Request a Quote or Policy Review...Email or Call 973-285-1040

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